Alliance Data Card Services
Consumer Complaints
There are over 7289 complaints on file for Alliance Data Card Services. Dated between 2019-12-12 and 2017-01-04.
Complaints Page 14
2019-10-21
WI
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-10-21
Carver, MA
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Was not notified of investigation status or results
Company Response: Closed with explanation
2019-10-21
Grosse Ile, MI
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened to sue you for very old debt
Company Response: Closed with explanation
2019-10-21
MI
Advertising and marketing, including promotional offers
Credit card or prepaid card: Store credit card
Confusing or misleading advertising about the credit card
Company Response: Closed with explanation
2019-10-21
Northfield, NH
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-10-21
Old Round Rock, TX
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with monetary relief
2019-10-21
Cane Creek, AR
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with monetary relief
2019-10-20
Bear, DE
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Reporting company used your report improperly
Company Response: Closed with explanation
2019-10-20
Lewiston, NY
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Company Response: Closed with explanation
2019-10-20
GA
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with non-monetary relief
2019-10-20
Fountainville, PA
Other features, terms, or problems
Credit card or prepaid card: Store credit card
Other problem
Company Response: Closed with explanation
2019-10-20
WY
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Company Response: Closed with monetary relief
2019-10-19
Atlanta, GA
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: Store credit card
Their investigation did not fix an error on your report
Company Response: Closed with explanation
2019-10-19
Brandon, FL
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief
2019-10-19
VA
Advertising and marketing, including promotional offers
Credit card or prepaid card: Store credit card
Confusing or misleading advertising about the credit card
Company Response: Closed with monetary relief
2019-10-18
East Detroit, MI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with non-monetary relief
2019-10-18
NC
Closing your account
Credit card or prepaid card: Store credit card
Company closed your account
Company Response: Closed with explanation
2019-10-18
Communication tactics
Debt collection: I do not know
Called before 8am or after 9pm
Company Response: Closed with non-monetary relief
2019-10-18
Vicksburg, MI
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Company Response: Closed with non-monetary relief
2019-10-18
Arco, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Closed with non-monetary relief
2019-10-18
Lisle, IL
Threatened to contact someone or share information improperly
Debt collection: Credit card debt
Talked to a third-party about your debt
Company Response: Closed with non-monetary relief
2019-10-18
Harrison Township, NJ
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Company Response: Closed with explanation
2019-10-18
Cadillac, MI
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Company Response: Closed with explanation
2019-10-17
CT
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: Comenity, the credit card issuer of XXXX MasterCard, assessed late fee charge to my account, however I believe it was done without merit. I contacted the Comenity via email and phone contesting that late fee, but bank insisted I still owe the late fee, so I decided to file a complaint against the card issuer practices of assessing the late fees.
The facts : 1. Billing statement for XX/XX/XXXX displayed balance of {$170.00} with payment due date XX/XX/XXXX. That particular billing statement displayed a Late Fee Warning : If we do not RECEIVE your minimum payment by XX/XX/XXXX you may have to pay up to a {$39.00} late fee. Via on line cervices of my bank, on XX/XX/XXXX I created bill payment for {$170.00}, to be delivered on XX/XX/XXXX, one day before due date.Based on my bank 's bill payment history details, my bank processed my order on XX/XX/XXXX and issued a check for {$170.00}. My Bank mailed the check on XX/XX/XXXX and DELIVERED it to Comenity on XX/XX/XXXX, one day before due date.
2. Next Billing statement for XX/XX/XXXX displayed {$32.00} as a total fees charged ( {$30.00} late fee plus {$2.00} interest charges on purchases ). That statement displays the following : Transaction Date : XX/XX/XXXX Payment - Thank You, - {$170.00}. XXXX. I was surprised to see the late fee charges because, based on my Bank history, I paid balance of {$170.00} on time, one day before the due date ( XX/XX/XXXX ).
3. On XX/XX/XXXX, XXXX, via on line Comentity services, I sent email asking to credit {$32.00} to my account. I included the copy of the history of that particular payment from my Bank, proving that my bank DELIVERED the check on time. Within 48 hours I got information that I still owe {$32.00} late fee, because, Comenity POSTED the payment on XX/XX/XXXX.
4. On XXXX XXXX I followed up and spoke with Comenity Representative, trying to resolve, what I felt, was the issue of unlawful assessment of late fee. This Representative admitted that Comenity POSTED my payment of {$170.00} on XX/XX/XXXX. However, was not able to prove when the payment was RECEIVED. Representative stated that, based on the Comenity standards, POSTING date equals RECEIVING date. I contested that on the ground, that the paper billing statement does not provide the definition of receiving, and, or posting dates. Actually, the term " posting '' is not mentioned at all in the Late payment warning statement.
5. I paid the {$32.00} late fee charges on XX/XX/XXXX to avoid additional late fee charges. However, I still feel that Comenity practices are very deceitful. I sent Comenity profs from my bank that payment was DELIVERED on time ( one day before the due date ), but still was faced with the late fee/interest charges.
It appears to me that Comenity did not POSTED my payment on time, after RECEIVING the check on time, on XX/XX/XXXX. That is the reason I feel the late fee assessment is not justified.
6. I will attach the correspondence I exchanged with Comenity in step 3.
Company Response: Closed with explanation
2019-10-17
Brentwood, TN
Communication tactics
Debt collection: Credit card debt
You told them to stop contacting you, but they keep trying
Complaint: On XX/XX/19 at XXXX XXXX i received a phone call from Comenity Bank. On several occasions I have told them they can not call me while I am at work to call after XXXX XXXX. This day the agent who identified as Ms. XXXX took the note and preceded to have a conversation with me saying that I needed to handle the situation although I told her I could not talk. She then proceeded to harrass me about my bill and ask when I'm going to pay it. This is not the first agent that has done this. It happens repeatedly and my request to call me after a certain goes unnoticed and are ignored. I asked for a supervisor and when that was done i was hung up on. I called back to speak to a supervisor and again my call was disconnected.
Company Response: Closed with non-monetary relief